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Muskogee County, Oklahoma
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Muskogee County, Oklahoma, saw 2,011 HMDA-reported applications and 1,058 originations ($179m) in 2024.
That is 41.1 originations per 1,000 households, against 46.6 for Oklahoma and 48.0 nationally.
The county's denial rate was 27.6%, above the state rate of 23.4%. The median rate spread on originated loans was 0.5 percentage points and 19.0% of originations were 1.5 points or more above the average prime offer rate.
18 lenders reached 25 applications in the county; the most active by originations were American Bank of Oklahoma (118), Bancfirst (91) and New American Funding, LLC. (78).
Originations were up 12% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | American Bank of Oklahoma | 139 | 118 | $21m | 6.2% | — |
| 2 | Bancfirst | 125 | 91 | $9.3m | 17.2% | — |
| 3 | New American Funding, LLC. | 123 | 78 | $15m | 10.3% | — |
| 4 | Armstrong Bank | 107 | 73 | $8.6m | 2.3% | — |
| 5 | Firstar Bank | 74 | 64 | $12m | 1.5% | — |
| 6 | Rocket Mortgage | 99 | 63 | $9.7m | 31.9% | — |
| 7 | Arvest Bank | 91 | 55 | $6.1m | 22.5% | — |
| 8 | Bokf NA | 86 | 38 | $3.9m | 40.3% | — |
| 9 | Flat Branch Mortgage, Inc. | 39 | 31 | $5.8m | 0.0% | — |
| 10 | Mortgage Research Center | 65 | 23 | $4.8m | 39.5% | — |
| 11 | Mabrey Bank | 27 | 23 | $3.7m | 11.5% | — |
| 12 | United Wholesale Mortgage | 27 | 20 | $4.6m | 19.2% | — |
| 13 | 21st Mortgage | 77 | 19 | $3.0m | 58.8% | — |
| 14 | Vanderbilt Mortgage and Finance, Inc | 107 | 12 | $1.7m | 77.6% | — |
| 15 | Freedom Mortgage Corporation | 29 | 10 | $2.5m | — | — |
| 16 | Discover Bank | 37 | 9 | $555k | 71.0% | — |
| 17 | Triad Financial Services, Inc. | 76 | 6 | $490k | 51.3% | — |
| 18 | Credit Human Federal Credit Un | 35 | 0 | $0 | 80.0% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 18. Denial rate is denials over decided applications in this county.
Compared with Oklahoma and the nation
| Measure | This county | Oklahoma | United States |
|---|---|---|---|
| Denial rate | 27.6% | 23.4% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.0% | 17.5% | 15.6% |
| Average originated loan | $169k | $223k | $329k |
| Originations per 1,000 households | 41.1 | 46.6 | 48.0 |
| Home purchase share of originations | 61.8% | 63.6% | 57.0% |
| FHA-insured share | 24.7% | 17.1% | 13.4% |
| VA-guaranteed share | 13.4% | 11.9% | 7.9% |
Rate spread distribution
Share of 921 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Oklahoma). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 62% (654)Home improvement 9% (93)Refinancing 11% (120)Cash-out refinancing 10% (111)Other purpose 8% (80)
By type
Conventional 60% (632)FHA 25% (261)VA 13% (142)USDA 2% (23)
Trend by year
ApplicationsOriginations
This countyOklahoma
Questions and answers
Which lenders are most active in Muskogee County, OK?
By 2024 originations: American Bank of Oklahoma (118), Bancfirst (91), New American Funding, LLC. (78), Armstrong Bank (73), Firstar Bank (64). 18 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Muskogee County?
27.6% of decided applications were denied in 2024, against 23.4% across Oklahoma and 24.3% nationally.
How many mortgages were originated in Muskogee County in 2024?
1,058 loans totalling $179m, from 2,011 applications; 41.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 40101; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.